Paramedical Providers
Registered Massage Therapist
What is covered?
- 100% of the reasonable and customary (R&C) limit, up to $500 every calendar year (January 1 to December 31)
What is not covered?
- Herbal medications, remedies, supplies and vitamins
- Insurance form completion charges
- Missed appointment charges
- Motor vehicle accident-related treatments
- Occupational disease or injury-related treatments
- X-rays
Ask your provider if they can submit your claim directly to GreenShield to minimize your out-of-pocket costs at your appointment.
Reasonable and customary (R&C) limit for Registered Massage Therapists (RMTs)
To ensure members are not overcharged, every year GreenShield sets a reasonable and customary (R&C) limit for the cost of a visit for massages. Every time you visit the RMT, the R&C limit is applied.
However…
Some providers charge more than the R&C limit.
And…
The R&C limit is the maximum amount your plan will cover for RMT services.
That means…
If your provider charges more than the R&C limit, you will have to pay the remaining amount out of your own pocket.
You can check your eligibility and coverage limits by logging in to your account at greenshield.ca, emailing GreenShield at customer.service@greenshield.ca or by calling GreenShield at 1-877-266-5494 to use their interactive voice system. You will then see if your estimated payments are fully covered or not.
For Example:
John’s RMT charges $135 for each appointment. The R&C limit at the time for this service is $110, which is the maximum amount your plan will pay.
Since John will be $25 out of pocket, he has two choices:
- Pay the remaining $25 out of pocket; OR
- Use his Health Care Spending Account (HCSA) to help cover his cost—in full or in part.
Your coverage maximum resets every year on January 1.
If you reach the massage plan maximum partway through the year, the full coverage amount will again be available to you on January 1.
For Example:
Alice regularly gets massage therapy to help with her arthritis. Last year, she submitted these claims:
Alice reached the annual maximum at the end of July. She then had three choices:
- Continue to schedule RMT appointments and pay out of pocket for the remainder of the year (until December 31); OR
- Continue to schedule RMT appointments and use her Health Care Spending Account (HCSA) to help cover her cost—in full or in part; OR
- Wait until her coverage maximum refreshes on January 1, and begin RMT visits again.
